3108 E 5th Ct, Panama City, FL 32401 Property Records

Bay County property record for 3108 E 5th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1951
Lot Size	0.378 acres (16,465 sqft)
Owner	Individual Name on Record
Last Sale	$8,000 (Jun 2004)
Tax Bill	$620 (2025)
Deeds & Mortgages	Mar 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23218-000-000`

Property Details

APN / Parcel Number

Primary APN	`23218-000-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,844 sqft Living Area
1st Floor Area	1,844 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1981
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,465 sqft (0.378 acres)
Lot Dimensions	165 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	320 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	256 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3108 E 5TH CT
City	PANAMA CITY
State	FL
Zip	32401-5215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 4S 14W -210- 118C2 BEG 185 E & 166.5 N OF NW COR OF SE1/4 OF NW1/4 TH N 167 E 100.2 S 165 W 54.2 S 2 W 46 TO POB. ORB 4233 P 321
Legal Range	14W
Legal Township	04S
Legal Section	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	3
Census Block	3030
Census Tract	1100

Owner

Source: Bay County records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3108 E 5TH CT, PANAMA CITY, FL 32401-5215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2004 · Amount on Record
Deed Sale	Jun 7, 2004 · Amount on Record
Deed Document Number	200443149
Deed Book / Page	2453 / 1375
Record Updated	Oct 29, 2026

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Mar 16, 2020
Property Address	3108 E 5TH CT, PANAMA CITY, FL 32401-5215
Document Number	0042330321
Book / Page	004233 / 000321
Instrument Date	Mar 13, 2020
Instrument	19571
Transaction Type	Transfer
Record Updated	Apr 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 E 5TH CT PANAMA CITY FL 324015215, PANAMA CITY, FL 32401-5215

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Springfield City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$620.00 (-19.38%) Homeowner's exemption	$64,129 (-2.55%)	$97,404 (+21.64%) Land $33,800 Building $63,604
2024	$769.00 (-8.56%)
2023	$841.00 (+12.89%) Homeowner's exemption	$65,810 (+6.07%)	$80,075 (+9.46%) Land $22,880 Building $57,195
2022	$745.00 Homeowner's exemption	$62,043	$73,154 Land $21,320 Building $51,834

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	34 (1980–2022)
Claims Outside the SFHA	31 of 34
Most Recent Claim	Sep 2022 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 6 claims Severe Storms And Flooding, Jul 2013 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SPRINGFIELD serves 8,075 people · EPA ID FL1030148
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Jul 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber · Cable in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20